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An Evaluation of Your Finances

As with any road map, before you can determine how to get from here to there, you need to know where “here” is. Where do you stand financially? Answering this critical question is the job of the net worth statement. Your net worth is the difference between all the things of value that you own and all the debts you owe or, in financial terms, your assets minus your liabilities. Your net worth statement is a list of each of these items and their current value or balance.

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The net worth statement gives you a snapshot of your financial condition at the current moment. You need this information to effectively set the financial goals you’ll be working toward, assess your progress along the way, and make adjustments, using the important clues gleaned from updating your net worth statement on a regular basis. It will also come in handy when applying for a mortgage or car loan.

Sometimes people avoid making a list of their debts because they’re afraid they won’t like what they find, or they believe they already have a good “gut feel” for their overall financial picture. However, avoiding your total debt picture can cause major financial damage, and gut feelings can be way off the mark. Not having a handle on your financial condition can seriously hurt you in a time of crisis, such as a job loss or disability, and it’s difficult, if not impossible, to plan for the future if you don’t know where you are today.

RFID systems are closely related to the smart cards described above. Data is stored on an electronic data carrying device the transponder. However, unlike the SC, the power supply to the data carrying device and the data exchange between the data carrying device and the reader are achieved without the use of galvanic contacts, using instead magnetic or electromagnetic fields. The underlying technical procedure is drawn from the fields of radio and radar engineering.

The abbreviation RFID stands for radio frequency identification, i.e. information carried by radio waves. Due to the numerous advantages of RFID systems compared with other identification systems, systems are now beginning to conquer new mass markets. One example is the use of contactless smart cards as tickets for short distance public transport.

A comparison between the identification systems described above highlights the strengths and weakness of RFID in relation to other systems. Here too, there is a close relationship between contact based and systems; however, the latter circumvent all the disadvantages related to faulty contacting (sabotage, dirt, unidirectional insertion, time-consuming insertion, etc.).

The term smart label refers to a paper-thin transponder format. In transponders of this format the transponder coil is applied to a plastic foil of just 0.1 mm thickness by screen printing or etching. This foil is often laminated using a layer of paper and its back coated with adhesive. The transponders are supplied in the form of self-adhesi1ve stickers on an endless roll and are thin and flexible enough to be stuck to luggage, packages and goods of all types.